Shop credit cards

We think you'll love these cards from our partners.

CK Editors' Tips††: The best credit cards can help you earn rewards, build credit or manage debt. When you're shopping for a card, consider the goals you're trying to reach. Once you know what you're looking for, you're more likely to focus on the features that matter most to you.
How to find the best credit card for youThe best credit card for you is one that fits your needs, not just the card that offers the most features. When you compare cards, think about your spending habits and credit situation. Are you willing to pay an annual fee? Do you spend a lot on groceries? Do you need access to credit with reasonable terms? Once you focus on the answers to these kinds of questions, you're more likely to find the right card for you.
How we picked the best credit cardsTo pick the best credit cards, we identified several crucial categories that fit a wide range of needs. From there, we selected the best credit cards in each category based on our editorial reviews and deep knowledge of the overall credit card landscape. Read more about our methodology for picking the best credit cards.
Jump to editors' picks

More cards by category

Shop all cards


FAQ: Editors’ answers

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Read our Editorial Guidelines to learn more about our team.

Credit cards can be a useful tool. Cards can be helpful for building credit because they can report your usage to the three main credit bureaus, which is why it’s so important to use your card responsibly (like paying your card in full and on time every month). Your credit can affect whether you’re approved for a loan and how much the loan will cost you. It can even affect your ability to get an apartment.

On top of that, many cards offer rewards like cash back or points that you can redeem all sorts of ways. But rewards could tempt you into spending more than you would otherwise, and there’s no guarantee they’ll provide more value than the cost of maintaining the card.

Credit cards can also give you some wiggle-room in emergency situations when you don’t have cash on hand. You have to be careful, though, because interest rates (the amount you pay for borrowing money) on credit cards can be expensive and land you in debt.

There are three things you should probably consider when looking for a new credit card.

First, how’s your credit? If you have little or bad credit, your options may be limited to secured cards or credit-building cards. If your credit is sparkling, you’ll likely have access to more options that can come with better rewards or lower APRs.

Second, how would you use your credit? Will you pay off the card on time and in full each month? If not, consider a card with low interest rates. If you’re trying to pay down existing credit card debt, a card with a 0% introductory balance transfer APR offer might be your best bet.

Third, what do you spend on? If you’re footloose, a travel credit card could help subsidize your trips. There’re also cash back cards, if you’d rather get moolah instead of miles. No matter your preference, try to match your card’s rewards to your spending habits to get the most bang for your buck.

If you have bad or little credit, your choices for credit cards tend to be more limited. But there are probably still options to fit your situation.

Secured cards offer you a credit line in exchange for a security deposit. The card issuer holds the deposit in a separate account as collateral in case you don’t pay your bill. That means issuers already have some protection against not getting paid back, so these cards tend to be easier to qualify for. Plus, many secured cards report to all three major credit bureaus. That can help you build credit if you’re careful about how you use the card, which includes paying on time and keeping your expenses low. If things go well, you may eventually be able to get approved for an unsecured card.

There are also unsecured cards created specifically for students, people who are new to credit, or folks who have maybe made some mistakes in the past. These cards tend to have higher interest rates and are less likely to have rewards, but you won’t have to put down a security deposit while working on your credit.

There’s no right number of credit cards for every person — it all depends on your needs.

For one thing, you don’t have to get a credit card at all if you don’t want one. Some people know that a card will be too big of a temptation to overspend, so they forgo credit cards entirely and choose to build credit in other ways.

Other people like to maximize rewards from cards, so they get a few that allow them to reap the benefits from every type of spending they do. However, it can be hard to keep track of your finances with a lot of cards. If you’re likely to miss payments or rack up debt, then maybe having multiple cards isn’t for you.

Having more cards could also affect your credit in a lot of different ways (e.g. changing your credit utilization rate or your average account age) beyond missing payments, so it’s important to consider the full impact of a card before go wild with applications. Plus, you should consider that each application could trigger a hard inquiry, which may affect your credit. The immediate benefit of a card should only be part of what you consider.

†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.